Protecting your privacy is important to First Central Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for collection, use, retention, and security of nonpublic personal information.

First Central Bank collects information you might consider to be private, such as account number(s), social security number, income, and net worth (nonpublic personal information) about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates or others; and
• Information we receive from a consumer reporting agency.

First Central Bank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

First Central Bank may disclose personal and account information about you to our Affiliates. An affiliate is a company we own or control, or a company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

First Central Bank may disclose personal and account information to financial service providers, such as insurance agents, who are affiliated with us. We may disclose information based on our transactions and experiences with you, such as:

• Name
• Account Activity
• Payment
• Address
• Types of accounts
• Deposit History
• Account balances
• Parties to the transaction

We are permitted under law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing arrangements:

Information we receive from you on applications or other forms, such as:

• Name
• Address
• Types of Accounts

If you have any further questions, please contact us at:
Arapahoe -- (308) 962-7255
Cambridge -- (308) 697-4344
Edison -- (308) 927-2575
McCook -- (308) 345-4994